I have a house and a loan in other places, and I have never used the provident fund. I want to buy a house in Shanghai. Shanghai has no housing, no loans and a provident fund. Can we count the first set now? Use commercial loans to buy a house for the first time, and use provident fund loans for the second time. At present, the provident fund loan policy is also being strictly implemented. As long as the borrower has a mortgage record, whether the mortgage is settled or not, even if he has never used the provident fund loan, the first application for the provident fund loan will be counted as the second suite.

You have borrowed money from other places, and the bank can find it, so it counts as two sets.